Rizon Card Review: Fees, Cashback and Subscription Plans

Rizon Card is a US-issued Visa Platinum card that spends USDC and USDT from a self-custody wallet in the Rizon app. The free plan charges $10 for a virtual card and pays no cashback, while the Gold and Emerald subscriptions pay 1% and 2.5% and cut the card and FX fees.

Rizon is a stablecoin app that works like a dollar account for people outside the United States, with transfers, bank details and investing alongside the card. The card itself is issued by Third National through Rain's card program, which makes it a US card in the eyes of merchants that block foreign-issued cards.

Rizon Card cashback

Rizon Card pays no cashback on the free Standard plan, 1% on Gold and 2.5% on Emerald, according to Rizon's plans and RizPoints rulebook.

The catch is a cap tied to the plan price: each subscription period, cashback stops at the value of one month's fee, which is $4.99 on Gold and $11.99 on Emerald. In practice Gold pays 1% on the first $499 you spend each month and Emerald pays 2.5% on the first $479.60, and anything above that earns nothing. Since the cashback can at best match the subscription price, neither plan makes money from rewards alone.

Cashback is credited to your Rizon balance and only counts card purchases. Rizon excludes a long list of merchant categories, including crypto purchases, gambling, rent, utilities, insurance and government payments, and also software, app subscriptions and advertising. People who mostly use the card for ad accounts and AI tools should expect very little back.

Every plan also earns RizPoints, from 1 point per $10 on Standard to 1 point per $1 on Emerald, which can go towards gift cards and other offers in the app.

Rizon Card fees

Rizon Card is free to hold and charges nothing on card payments in US dollars, but the free plan pays for the card itself and 1.7% plus $0.10 on payments in other currencies.

On Standard, a virtual card costs $10 and a physical card costs $49.99. Gold costs $4.99 a month, or $59.88 a year, makes the virtual card free, halves the physical card to $24.99 and lowers the FX fee to 1.275%. Emerald costs $11.99 a month, or $143.88 a year, makes both cards free and lowers FX to 1.02%. Both paid plans need a minimum commitment of three months.

The FX fee decides which plan is cheapest. Someone spending $1,000 a month in pesos or reais pays about $17 a month on Standard, about $12.75 on Gold and about $10.20 on Emerald, before cashback. The cashback cap then returns up to $4.99 on Gold and up to $11.99 on Emerald, so a heavy spender abroad on Emerald pays roughly nothing net for the subscription and saves on every payment.

Small payments under $1 carry an extra $0.50 fee on Standard after the first few each month, which matters mainly for tiny app-store charges. Depositing stablecoins and sending money to other Rizon users is free.

Rizon Card ATM withdrawal fees

Rizon Card charges $1 plus 0.65% for each ATM withdrawal on all three plans, with a limit of $250 per withdrawal.

Taking out the full $250 costs about $2.63 in Rizon fees, close to 1.05% of the amount. Smaller withdrawals cost more in percentage terms, because the $1 applies every time, so a $50 withdrawal costs $1.33. You can make up to 3 withdrawals in 24 hours, and the ATM owner may add its own charge.

Only the physical card works at cash machines, so you need to order the plastic card first.

Is Rizon Card safe?

Rizon Card is self-custody: your stablecoins sit in an on-chain vault owned by your own wallet, and Rizon says it can't move, freeze or access them.

The wallet is created with Privy and secured with Face ID, passkeys and biometrics, so there is no seed phrase to write down. The vault is deployed by Rain, which runs the card program, and Third National issues the Visa card. Rizon Global, Inc. describes itself as a software interface rather than a bank or financial institution, and its help center says your funds stay reachable even if Rizon stops operating.

Self-custody shifts the risk to your devices and sign-in methods, so protect the phone and email tied to your account. Every user goes through identity checks, and Rizon allows one account per person.

Who should get Rizon Card

Rizon Card suits people in supported countries who hold savings in USDC or USDT, want to keep control of those funds, and need a US-issued Visa that works with American subscriptions and services.

For mostly dollar spending, the free plan is enough once you pay $10 for the virtual card, because US-dollar card payments are free. If you pay in your local currency every day, Emerald's 1.02% FX fee and free physical card make more sense, and the capped cashback roughly covers its monthly price.

The card is a weaker choice for advertising and software bills, which earn no cashback, and for anyone who wants rewards to grow with spending. The comparison below shows the alternatives in your country.

Where Rizon Card is available

Rizon Card is available to holders of supported passports, mainly in the United States, Latin America and the Caribbean, with some countries in Asia, Africa and the Middle East.

Eligibility depends on nationality, so living in a supported country isn't enough if your passport isn't on Rizon's list. The list doesn't include the UK or EU countries. In the United States, physical cards ship only to selected states.